While some praise the response of their insurance company, many residents complain insurance companies have been foot-dragging and offering to pay less than repairs will cost. Another complaint — banks are sitting on insurance settlements, not allowing homeowners to access their money to pay contractors.

Contractors give Ferguson City Hall mixed reviews. Some say the permit process has forced homeowners to jump through “too many hoops” to get repairs underway. Other contractors say city hall has been fast and responsive.